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Someday you may want to retire and continue to live in the life style to which you have become accustomed. According to conventional wisdom yo

According to USFDA, a combination product is one composed of any combination of a drug and device; biological product and device; drug and biological product

u will need less money because you will have fewer expenses than when you had to go to the office every day. Maybe. Let's hope so.

Unfortunat

; or drug, device, and biological product and fixed dose combination would include two or more combinations of drug.

Examples of combination products may in

ly, it doesn't always work out that way so you had better have saved enough cash to supplement the social security and pension plan income (if

lude drug-coated devices, drugs packaged with delivery devices in medical kits, and drugs and devices packaged separately but intended to be used together.

you have one).

My philosophy is to save with mutual funds as they are the safest way to invest in the stock market. There is one and only on

here is enormous increase in the number of combination products entering the market in the recent years. Combination products have proven advantages but fixe

basic criteria as to which mutual funds you should own. That fund or all those funds if you own more than one must be outperforming the S&P50

d dose combinations are still in the process of convincing regulatory authority on their advantages over the single ingredient formulations.

Combination pro

0 index (which is just an average) during the last 12 months.

Don't listen to the Wall Street gurus who tell you to buy a "good" fund and sti

ucts have become life saving products for the pharmaceutical companies who doesn’t have many innovative molecules in their product pipeline and have been inc

k with it. The only good fund is one that is doing better than an average because you don't want your money doing a below average job. The hog

easingly used in the product life cycle management. Even the companies having product patents are trying to extend their product life cycle through the combi

wash you get from the great stock market "experts" is you need to look at how a fund has performed over the last 3, 5 or 10 years. Double hogw

nation products and maximize the revenues. But the companies involved in this practice are overlooking that they are burdening the patients both economically

sh. Ever hear the story about "what have you done for me lately"? It holds true for mutual funds.

Look up the big fund manager names on Wall

and physically. They need to rightly judge the benefits of the combination products and they have to even look at the risks involved when combining the produ

Street. You will find that in the last 10 years all of them have had periods when they did not do an average job. You don't want to own any of

ts. Some of the combination products were well accepted by physicians while others suffered. Companies involved in development of combination products are fi

their fund while this guy is going through a 'cold' period.

Every week the Investor's Business Daily paper publishes a list of various funds

ding difficulty in defining their combination products and facing various challenges from selecting a combination to marketing it.

Following aspects would a

citing their performance over the past 36 months, 24 months, 12 months, 9 months, 6 months and 30 days. If you have the time and the right bro

dd to the challenges in developing combination products:

Which markets to tap where the combination products can do fairly well?
Which combination prod

erage company you can pick the "hot" short term winners and switch from one to another at no commission charge. It does take time and effort.Y

cts are meaningful and rational?
Which therapeutic categories to select?
Which Combinations can address unmet needs of the patients?
Do combin

ou will trade less frequently and you can get an excellent return on your money if you decide to go with the best performance over the last 12

tions increase the patient compliance?
What would be the developing cost?
How to tackle the risks encountered during combination product developmen

months and you limit yourself to switching only if your fund falls out of the list..

When you are adding a small amount monthly to your IRA o

t?

As combination products don't fit into the traditional categories of drugs, medical devices, or biological products, the USFDA is in the process of devel

r 401k you will want to specify where those additional funds are to be invested. Always put them in the best performer at the time.

If you ow

ping new procedures for reviewing their safety, efficacy and quality.

Professional from academic institutions, pharmaceutical industries, health care indust

more than one fund, say six, you should sell the weakest one and transfer your money from number six to number one. Sell the dog and invest i

y and representatives from various regulatory agencies are working out to design the regulatory requirements for manufacture and sale of combination products

n the top performer. Prune your portfolio monthly. Every fund manager will tell you this is too simplistic. It works. He is lying. Why? Becaus

.

As there is an increasing trend of the combination products companies manufacturing such products should be able to tackle the problems involved in the de

he is being paid on the amount of money in his fund and not upon the performance of the fund. It is called 'you buy, he holds'. It is a loser

elopment. They need to be wiser in analyzing the market trends and the regulatory requirements.

Companies that provide selfless information through particip

; he is a professional loser. Why should you be a loser too?

Review your funds' performance monthly and stay with the best ones. Retire early

tion in industry events and feedback to regulatory authorities would be able to face the challenges and will be successful in developing combination products

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Cost Benefit Analysis must be carried out to accepted principles. If not, your reputation and the company could suffer. There are some elements that should never be included in Cost Benefit Analysis. Some of these are listed in this article.

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